BlastPoint's Banking Scorecard
Union Bank and Trust Company
Minneapolis, MN
Union Bank and Trust Company has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 15.3% in tier
- + Non-Interest-Bearing Deposit Share 53.46% above tier average
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 72.1% in tier
- - Delinquency Rate 2.84% above tier average
- - Nonperforming Asset Ratio 2.18% above tier average
- - Efficiency Ratio 4.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$230.8M
+26.8% YoY
-3.6% QoQ
|
-$155.3M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$106.3M
-1.0% YoY
+3.2% QoQ
|
-$149.4M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$208.9M
+29.0% YoY
-3.5% QoQ
|
-$119.0M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
0.92%
-15.4% YoY
-17.1% QoQ
|
-0.35% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
3.99%
-3.4% YoY
-5.4% QoQ
|
+0.06% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
70.21%
-3.5% YoY
-0.0% QoQ
|
+4.92% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
3.73%
-34.1% YoY
-6.1% QoQ
|
+2.84% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.7% in tier |
| Loan-to-Deposit Ratio ? |
50.86%
-23.3% YoY
+6.9% QoQ
|
-25.77% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Top 10.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
75.48%
-12.3% YoY
+0.4% QoQ
|
+53.46% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Top 0.2% in tier |
| Nonperforming Asset Ratio ? |
2.82%
-15.5% YoY
+1.8% QoQ
|
+2.18% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.3% in tier |
| Tier 1 Capital Ratio ? |
16.71%
+8.2% YoY
-2.9% QoQ
|
+0.88% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.49%
-24.6% YoY
-74.5% QoQ
|
+0.21% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Top 3.3% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.